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We understand that buying or refinancing a home is one of the biggest financial decisions that you’ll ever make.  It’s a huge investment and needs to be properly handled.  That’s where the mortgage professionals at Home Savings can help.  From our highly qualified mortgage loan officers to the loan processing team, you can expect the highest level of personalized service throughout the entire process.  Your loan officer will work with you to explore all the loan programs that best fit your needs, and take you step by step through the application.  With our team approach to loan processing, we’ll make sure you understand everything and make sure you get the best experience possible.

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Conventional Fixed Rate Loans

A fixed rate mortgage loan provides you with the security of a monthly principal and interest payment that never changes because the interest rate is locked in for the entire loan term. The only change could be an increase or decrease in the amounts collected for mortgage insurance, real estate taxes, or property insurance (escrow payments).

  • Various terms available
  • Programs with no Private Mortgage Insurance (PMI)
  • Complimentary pre-qualification
Adjustable Rate Mortgages (ARM)

With an ARM, you could take advantage of a lower interest rate initially.  The interest rate changes at predetermined intervals based upon the Treasury index. The change in interest rate will also affect how much your monthly principal and interest payments will be.

  • Note rate may change annually after initial term of 3, 5 or 7 years
  • Monthly payment is lower in the early years of the mortgage
  • To minimize interest rate increases, ARM loans offer the protection of annual and lifetime rate caps
First-Time Home Buyer Program

If you’ve never bought a home before or it’s been a long time, you could qualify for our First-Time Buyer Program.

  • Special grant funding for down payment and closing cost assistance
  • Affordable monthly payments
  • Lower closing costs and a very low down payment
  • No income restrictions
Jumbo Loans

Jumbo loan programs start at $417,000 and offer financing on amounts exceeding the "conforming" loan limits. Jumbo loans are available as regular purchase loans, construction/permanent loans and for refinancing. 

FHA Loans

The Federal Housing Authority (FHA) offers affordable mortgage loan options to qualified home buyers.  FHA loans are insured by this government agency.  There are some limits to loan amounts but they’re reasonable enough to accommodate most buyers.

  • Minimum down payment
  • Down payment and closing costs may be gifted
  • Seller may contribute towards buyer closing costs
VA Loans

The Veterans Administration (VA) is a mortgage loan program for individuals qualified by military service or other entitlements. VA Loans are backed by this government agency.  There are some limits to loan amounts but they’re reasonable enough to accommodate most buyers.

  • Zero down payment*
  • No private mortgage insurance (PMI) requirement
  • Easier credit qualifying
USDA Loans

The U. S. Department of Agriculture (USDA) sponsors this mortgage loan program for development in rural areas.  Eligible borrowers* in rural areas can qualify for fully-financed mortgage loans.

  • No down payment required*
  • Not limited to first time home buyers
  • Flexible credit guidelines
  • Closing costs may be gifted
  • New or existing homes
  • No loan limits (with qualifying income)
Construction/Permanent Loans and Lot Loans

Ready to build the home you’ve always wanted?  Turn to Home Savings for a low down payment, competitive rates and exemplary service from seasoned loan professionals.

  • One-time closing… your construction loan becomes your regular mortgage.  
  • Minimal down payment and low fees. 

We also offer lot loans for those who want to finance a land purchase for a future home.

Refinancing

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Whether you’re looking to reduce your monthly mortgage payment or term, or if you simply want to access the equity value of your home, Home Savings has a refinance mortgage solution for you.

Possible benefits of refinancing your home:

  • Lower your monthly payment
  • You may now qualify for a lower interest rate
  • Pay off your loan faster by reducing the term
  • Use your home’s equity to consolidate debt

Let us help you stay financially fit for life. Talk with a Trusted Advisor.

Find A Loan Officer     Request A Call     Apply Online
Alternative Financing

For customers with unique needs and special circumstances, we offer a variety of mortgage options.  Contact a loan officer to discuss how Home Savings can help.

*For a loan secured by the borrower’s principal dwelling where the amount of the loan exceeds the value of the dwelling, the interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible. Consult a tax advisor.

   Start Your Mortgage Loan Today

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